Girlfriend's havin finicial troubles. How to help?

You cant help someone who does not help themselves. Im sure shes smart enough to know that having a car and an expensive contract is not cheap. A person should know what kind of lifestyle they can afford and if she doesnt want to get a smaller car then thats her decision. The only thing you can do is advise her and give her ideas. Its her choice to make the final decision on what she does with her money.